Insurance

Information about insurance cover for rowers, coxes, coaches, affiliated competitions and clubs

British Rowing members* and affiliated competitions can benefit from tailored rowing insurance designed to support and protect you whatever your involvement in our sport.

Insurance can be confusing and we have tried as best as possible to explain the different types available and what cover you can benefit from depending on your role in rowing. However if you need more detail you can head over to the dedicated Insurance Hub provided by Marsh Sport to check out everything you need to know. You can also download copies of your insurance documents as required.

We have appointed Marsh Sport as the insurance broker for British Rowing. Marsh Sport is a trading name of Marsh, and has dedicated teams across the UK offering insurance and risk advice solely to the world of sport. From grassroots level to the largest professional brands, their specialist services currently support over 100 similar sports National Governing Bodies.

Insurance Hub

Insurance for rowers and coxes

As an individually registered member* of British Rowing, you receive the benefit of Public Liability insurance and Personal Accident cover to protect you whilst participating in rowing.

Public Liability covers the cost of defending yourself against a claim for damages if you’re held responsible for injury to someone else or damage to their property. British Rowing members will only be required to pay the excess for the claim.

Insurance for coaches

If you are a coach or coach educator your British Rowing membership gives you the benefit of Public Liability Insurance and Personal Accident cover to protect you whilst coaching or educating coaches in rowing. As a coach you also benefit from Professional Indemnity Insurance to protect you in your role.

The Public Liability policy covers the cost of defending yourself against a claim for damages if you’re held responsible for injury to someone else or damage to their property. Professional Indemnity insurance covers you if you are deemed to cause injury or damage through your coach instruction, provided that the activity falls within the remit of your British Rowing approved training or qualifications. British Rowing Coach members will only be required to pay the excess for the claim.

Insurance for Umpires

If you are an Umpire your British Rowing membership gives you the benefit of Public Liability Insurance, Professional Indemnity Insurance and Personal Accident cover to protect you whilst umpiring rowing.

The Public Liability policy covers the cost of defending yourself against a claim for damages if you’re held responsible for injury to someone else or damage to their property as a result of your umpiring, Professional Indemnity insurance covers you if you are deemed to cause injury or damage through your umpire instruction provided that the activity falls within the remit of your British Rowing approved training or qualifications. British Rowing Umpire members will only be required to pay the excess for the claim.

Insurance for competitions

When arranging any competition you have a duty of care towards those taking part, including spectators. Public Liability insurance protects the organisers of British Rowing affiliated competitions that are compliant with British Rowing Rules, RowSafe and are individually approved by British Rowing.

Insurance for clubs

Please note that your club or association’s affiliation to British Rowing currently does NOT include ANY insurance. Clubs need to insure that all your activities and assets are protected by insurance. Clubs need to make sure that as well as adequately insuring their clubhouse and boats, they carry suitable liability insurance that caters for the full range of activities that they as a club and a committee undertake including any volunteers that support club operations. Clubs should always carefully check details of any of their insurance policies with their own provider. We recommend that clubs hold a minimum of £10m liability cover.

We are looking for community rowing clubs across the country to help us develop a new group insurance scheme that affiliated clubs can opt in to as part of their annual affiliation process. This will help us deliver value for our clubs as well as actively promote safe practices, one of our key strategic objectives.

If you are interested in working with us and Marsh Sport on designing a club insurance group scheme, or if you have any more questions before getting involved, please email clubs@britishrowing.org.

Advice and assistance on insurance for clubhouses, boats and equipment can be obtained from Elite Rowing. Note: Elite Rowing is a trading name of Towergate Insurance Brokers.

Personal Accident Benefit

Personal accident cover is a benefit provided to British Rowing members* that can be claimed on if a member injures themselves or are injured by someone or something else while rowing. Headline benefits from the personal accident cover can be found on the Insurance Hub. British Rowing members will only be required to pay the excess for the claim.